PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security Dollar Bank

Niles, OH · Cert 15220

FDIC

Q3 2000

$159.7MAssets
$100.6MLoans
$136.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.46%, up 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.87% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

0.46%+10 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets0.12%0.24%0.36%0.35%0.38%0.28%0.19%0.46%+10 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)2.63%2.04%2.21%0.83%0.61%0.66%-3.25%-5.71%-655 bps
Loan Growth (YoY)-1.62%-5.46%-4.77%-1.35%0.54%0.83%-2.67%-7.47%-611 bps
Deposit Growth (YoY)2.27%-1.34%0.85%-0.28%-2.22%1.25%-3.88%-6.12%-584 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits72.95%74.38%73.13%74.95%75.02%74.07%74.06%73.87%-108 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a